EDSONZ-WASSWA opened a new pull request, #5791:
URL: https://github.com/apache/fineract/pull/5791
## Description
Background
When a borrower misses several payments, Fineract calculates penalty charges
on each overdue installment. Up until this change, attempting to reschedule
such a loan would fail immediately with a not.allowed.due.to.overdue.charges
validation error, making it impossible to help borrowers who genuinely needed
their repayment schedule restructured.
This was a real gap the most common reason a lender reschedules a loan is
precisely because the borrower has fallen behind.
What this PR does
The system used to stop loan rescheduling completely whenever overdue
penalty charges existed. Now it doesn't have to.
There's a new optional flag " waiveOverdueCharges" that a lender can pass
when approving a reschedule. Set it to true and the system clears all
outstanding overdue penalties right before building the new repayment schedule.
This practically makes sense:
when restructuring a loan, the lender usually wants to clear those
penalties as part of the deal, so this just handles it in one step instead of
two.
Leave the flag out or set it to false and nothing changes the original block
stays in place. No decision made, no charges touched.
For the actual waiving, it hooks straight into the existing charge waiver
logic, so you get the same audit trail and transaction records as a manual
waiver through the User interface (UI).
## Checklist
Please make sure these boxes are checked before submitting your pull request
- thanks!
- [ ] Write the commit message as per [our
guidelines](https://github.com/apache/fineract/blob/develop/CONTRIBUTING.md#pull-requests)
- [ ] Acknowledge that we will not review PRs that are not passing the build
_("green")_ - it is your responsibility to get a proposed PR to pass the build,
not primarily the project's maintainers.
- [ ] Create/update [unit or integration
tests](https://fineract.apache.org/docs/current/#_testing) for verifying the
changes made.
- [ ] Follow our [coding
conventions](https://cwiki.apache.org/confluence/display/FINERACT/Coding+Conventions).
- [ ] Add required Swagger annotation and update API documentation at
fineract-provider/src/main/resources/static/legacy-docs/apiLive.htm with
details of any API changes
- [ ] [This PR must not be a "code
dump"](https://cwiki.apache.org/confluence/display/FINERACT/Pull+Request+Size+Limit).
Large changes can be made in a branch, with assistance. Ask for help on the
[developer mailing list](https://fineract.apache.org/#contribute).
Your assigned reviewer(s) will follow our [guidelines for code
reviews](https://cwiki.apache.org/confluence/display/FINERACT/Code+Review+Guide).
this is the link to the jira ticket
[https://mifosforge.jira.com/issues?filter=-1&selectedIssue=WEB-479](https://mifosforge.jira.com/issues?filter=-1&selectedIssue=WEB-479)
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